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STATE STREET CORP (STT) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:STT - US8574771031 - Common Stock

129.01 USD
-1.33 (-1.02%)
Last: 12/31/2025, 8:04:00 PM
129 USD
-0.01 (-0.01%)
After Hours: 12/31/2025, 8:04:00 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to STT. STT was compared to 235 industry peers in the Capital Markets industry. STT may be in some trouble as it scores bad on both profitability and health. STT has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year STT was profitable.
In the past year STT has reported a negative cash flow from operations.
STT had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: STT reported negative operating cash flow in multiple years.
STT Yearly Net Income VS EBIT VS OCF VS FCFSTT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B -5B 10B -10B

1.2 Ratios

With a Return On Assets value of 0.74%, STT is not doing good in the industry: 67.23% of the companies in the same industry are doing better.
With a Return On Equity value of 9.98%, STT perfoms like the industry average, outperforming 59.57% of the companies in the same industry.
Industry RankSector Rank
ROA 0.74%
ROE 9.98%
ROIC N/A
ROA(3y)0.73%
ROA(5y)0.75%
ROE(3y)9.34%
ROE(5y)9.21%
ROIC(3y)N/A
ROIC(5y)N/A
STT Yearly ROA, ROE, ROICSTT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a Profit Margin value of 20.15%, STT perfoms like the industry average, outperforming 57.45% of the companies in the same industry.
STT's Profit Margin has improved in the last couple of years.
STT does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 20.15%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.7%
PM growth 5Y2.25%
GM growth 3YN/A
GM growth 5YN/A
STT Yearly Profit, Operating, Gross MarginsSTT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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1

2. Health

2.1 Basic Checks

STT has less shares outstanding than it did 1 year ago.
The number of shares outstanding for STT has been reduced compared to 5 years ago.
Compared to 1 year ago, STT has a worse debt to assets ratio.
STT Yearly Shares OutstandingSTT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
STT Yearly Total Debt VS Total AssetsSTT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B

2.2 Solvency

STT has a Debt/Equity ratio of 1.26. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of STT (1.26) is worse than 62.98% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.26
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
STT Yearly LT Debt VS Equity VS FCFSTT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
STT Yearly Current Assets VS Current LiabilitesSTT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

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6

3. Growth

3.1 Past

STT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.24%, which is quite impressive.
STT shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.08% yearly.
The Revenue has grown by 8.38% in the past year. This is quite good.
The Revenue has been growing slightly by 2.03% on average over the past years.
EPS 1Y (TTM)22.24%
EPS 3Y5.35%
EPS 5Y7.08%
EPS Q2Q%23.01%
Revenue 1Y (TTM)8.38%
Revenue growth 3Y2.63%
Revenue growth 5Y2.03%
Sales Q2Q%8.78%

3.2 Future

STT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.89% yearly.
The Revenue is expected to grow by 3.55% on average over the next years.
EPS Next Y17.8%
EPS Next 2Y14.81%
EPS Next 3Y14.15%
EPS Next 5Y10.89%
Revenue Next Year7.36%
Revenue Next 2Y6.03%
Revenue Next 3Y5.54%
Revenue Next 5Y3.55%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
STT Yearly Revenue VS EstimatesSTT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B
STT Yearly EPS VS EstimatesSTT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.97 indicates a correct valuation of STT.
Based on the Price/Earnings ratio, STT is valued a bit cheaper than the industry average as 60.43% of the companies are valued more expensively.
STT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.51.
A Price/Forward Earnings ratio of 11.25 indicates a reasonable valuation of STT.
Based on the Price/Forward Earnings ratio, STT is valued a bit cheaper than 65.11% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, STT is valued rather cheaply.
Industry RankSector Rank
PE 12.97
Fwd PE 11.25
STT Price Earnings VS Forward Price EarningsSTT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
STT Per share dataSTT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 60 80

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
STT's earnings are expected to grow with 14.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.73
PEG (5Y)1.83
EPS Next 2Y14.81%
EPS Next 3Y14.15%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.54%, STT has a reasonable but not impressive dividend return.
STT's Dividend Yield is comparable with the industry average which is at 6.65.
STT's Dividend Yield is a higher than the S&P500 average which is at 2.00.
Industry RankSector Rank
Dividend Yield 2.54%

5.2 History

The dividend of STT is nicely growing with an annual growth rate of 6.75%!
STT has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of STT decreased recently.
Dividend Growth(5Y)6.75%
Div Incr Years1
Div Non Decr Years1
STT Yearly Dividends per shareSTT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

5.3 Sustainability

39.96% of the earnings are spent on dividend by STT. This is a low number and sustainable payout ratio.
The dividend of STT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP39.96%
EPS Next 2Y14.81%
EPS Next 3Y14.15%
STT Yearly Income VS Free CF VS DividendSTT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B -5B 10B -10B
STT Dividend Payout.STT Dividend Payout, showing the Payout Ratio.STT Dividend Payout.PayoutRetained Earnings

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STATE STREET CORP

NYSE:STT (12/31/2025, 8:04:00 PM)

After market: 129 -0.01 (-0.01%)

129.01

-1.33 (-1.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-17 2025-10-17/bmo
Earnings (Next)01-15 2026-01-15/amc
Inst Owners96.12%
Inst Owner Change1.96%
Ins Owners0.35%
Ins Owner Change0.31%
Market Cap36.03B
Revenue(TTM)13.69B
Net Income(TTM)2.76B
Analysts77.27
Price Target133.4 (3.4%)
Short Float %1.55%
Short Ratio2.09
Dividend
Industry RankSector Rank
Dividend Yield 2.54%
Yearly Dividend3.5
Dividend Growth(5Y)6.75%
DP39.96%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.45%
Min EPS beat(2)4.3%
Max EPS beat(2)6.61%
EPS beat(4)4
Avg EPS beat(4)4.4%
Min EPS beat(4)0.96%
Max EPS beat(4)6.61%
EPS beat(8)8
Avg EPS beat(8)6.3%
EPS beat(12)11
Avg EPS beat(12)4.42%
EPS beat(16)15
Avg EPS beat(16)4.77%
Revenue beat(2)2
Avg Revenue beat(2)1.66%
Min Revenue beat(2)1.49%
Max Revenue beat(2)1.83%
Revenue beat(4)3
Avg Revenue beat(4)0.76%
Min Revenue beat(4)-2.06%
Max Revenue beat(4)1.83%
Revenue beat(8)7
Avg Revenue beat(8)1.02%
Revenue beat(12)8
Avg Revenue beat(12)-0.18%
Revenue beat(16)10
Avg Revenue beat(16)-0.3%
PT rev (1m)0.51%
PT rev (3m)9.9%
EPS NQ rev (1m)0.02%
EPS NQ rev (3m)1.81%
EPS NY rev (1m)0.06%
EPS NY rev (3m)3.16%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)1.78%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)1.2%
Valuation
Industry RankSector Rank
PE 12.97
Fwd PE 11.25
P/S 2.63
P/FCF N/A
P/OCF N/A
P/B 1.3
P/tB 1.92
EV/EBITDA N/A
EPS(TTM)9.95
EY7.71%
EPS(NY)11.47
Fwd EY8.89%
FCF(TTM)-23.67
FCFYN/A
OCF(TTM)-19.96
OCFYN/A
SpS49.01
BVpS98.97
TBVpS67.19
PEG (NY)0.73
PEG (5Y)1.83
Graham Number148.85
Profitability
Industry RankSector Rank
ROA 0.74%
ROE 9.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.15%
GM N/A
FCFM N/A
ROA(3y)0.73%
ROA(5y)0.75%
ROE(3y)9.34%
ROE(5y)9.21%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.7%
PM growth 5Y2.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.26
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 214.7%
Cap/Sales 7.58%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)103.02%
Cap/Depr(5y)79.65%
Cap/Sales(3y)6.67%
Cap/Sales(5y)6.31%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)22.24%
EPS 3Y5.35%
EPS 5Y7.08%
EPS Q2Q%23.01%
EPS Next Y17.8%
EPS Next 2Y14.81%
EPS Next 3Y14.15%
EPS Next 5Y10.89%
Revenue 1Y (TTM)8.38%
Revenue growth 3Y2.63%
Revenue growth 5Y2.03%
Sales Q2Q%8.78%
Revenue Next Year7.36%
Revenue Next 2Y6.03%
Revenue Next 3Y5.54%
Revenue Next 5Y3.55%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-331.72%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-257.28%
OCF growth 3YN/A
OCF growth 5YN/A

STATE STREET CORP / STT FAQ

What is the fundamental rating for STT stock?

ChartMill assigns a fundamental rating of 3 / 10 to STT.


What is the valuation status for STT stock?

ChartMill assigns a valuation rating of 5 / 10 to STATE STREET CORP (STT). This can be considered as Fairly Valued.


What is the profitability of STT stock?

STATE STREET CORP (STT) has a profitability rating of 2 / 10.


Can you provide the expected EPS growth for STT stock?

The Earnings per Share (EPS) of STATE STREET CORP (STT) is expected to grow by 17.8% in the next year.


Is the dividend of STATE STREET CORP sustainable?

The dividend rating of STATE STREET CORP (STT) is 6 / 10 and the dividend payout ratio is 39.96%.